Using sustainable transportation alternatives can often be hindered by car dependence (Haustein, 2021). Within the context of Santa Monica, for example, approximately 75% of Santa Monica residents choose single occupancy vehicle (SOV) commutes to work, and over 50% of households own more than one vehicle (Data USA, n.d.). More generally, vehicle transportation accounts for 62% of greenhouse gas emissions in the city, making it the largest emissions contributor (Johnstone, 2021).
However,…
Behavioural Insights Projects
Discover projects applying behavioural science to policy from around the world. Add your own projects, whether completed or still ongoing, to contribute knowledge on BI applications across different countries, policy areas, and topics of interest.
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In Germany there are significant gaps in measles vaccination which lead to repeated outbreaks of the disease. Vaccinations do more than just protect the recipient against infection. They also protect people who cannot be vaccinated, for example infants or people with certain chronic illnesses. However, many adults do not know that they are not completely vaccinated against measles. In order to close this information and vaccination gap, wirksam regieren compared various possible ways to provide…
Regulators require lenders to display a subset of credit card features in summary tables before customers finalize a credit card choice. Some jurisdictions require some features to be displayed more prominently than others to help ensure that consumers are made aware of them. This approach could lead to untoward effects on choice, such that relevant but nonprominent product features do not factor in as significantly. To test this possibility, we instructed a random sample of 1615 adults to…
The Environment Act 1986 established the Ministry for the Environment (MfE), which is the primary adviser of the New Zealand Government on environmental matters. The purpose statement for the MfE is “A flourishing environment for every generation – He taiao tōnui mō ngā reanga katoa [te reo version, the indigenous language of the Māori people].
MfE is actively engaged in reducing waste across the country, as illustrated by the recent Aotearoa New Zealand Waste Strategy. To lead by…
The project aims to increase the number of beneficiaries who “assign a Ticket” with an
Employment Network (EN) or VR agency. The assignment of a Ticket constitutes an agreement between the beneficiary and a service provider of their choice for employment support services.
An intermediate goal of the project is an increase in initial calls to the TTW Help Line.
BI Project
More conscious student borrowing behaviour: How can excessive loan amounts be avoided after the…
Are there ways to limit the accrual of excessive loan amounts by students? A letter sent to students with student loans who have received a supplementary grant increases the likelihood of them reducing their loan amounts. This increased likelihood translates to an annual average decrease of over € 150 in loan amounts for students receiving both a supplementary grant and a loan.
Why this experiment was conducted: award of supplementary grant sometimes has little or no impact on loan…
BI Project
Feel & act green: can compliments about sustainable behaviour lead to the next sustainable…
Rijkswaterstaat (the Directorate-General for Public Works and Water Management) wants to induce behavioural change in several areas. The circular economy is one example. A study examined whether consumers will make more sustainable choices if they have been complimented on their past actions or behaviour that were environmentally friendly or sustainable. This proved to be the case.
Why this experiment was conducted: additional incentive for sustainable behaviour
Behavioural change is…
As rewards increasingly become an instrument used by policymakers, it is important to find a reward mechanism that does not crowd out intrinsic motivation, is long lasting, and has positive spillover effects on third parties. A policy innovation introduced by the Municipality of Santa Fe (Argentina) allowed us to evaluate different mechanisms for rewarding tax compliance – participation in a lottery (financial motive), public recognition (moral channel), and provision of a visible and durable…
BI Project
Car Insurance Quote Sheet: Experimental Evidence of Its Impact on Financial Consumer Decisions
SERNAC designed and tested Key Fact Sheets to help consumer decision-making on quoting car insurance.
The study evaluated options to standardize the car insurance quotation sheet's design through a randomized online experiment with 3,008 consumers. Three prototypes were designed and tested in contrast to a representative quotation sheet currently provided by insurance companies in Chile to achieve this objective. Each prototype considered simplifying the language and standardization of the…
Claims associated with adhesion contracts continue to represent a relevant challenge for financial consumer protection, particularly in highly mass-market products such as savings accounts and personal loans. The available evidence suggests that these complaints are not driven solely by regulatory transparency issues, but rather by persistent gaps in comprehension and attention at the time of contracting.
In this context, the Superintendency of Banks of the Dominican Republic (SBDR), through the…